e-skoloto Product Overview
🚀 Current Development Stage: Beta Launch - Core Features Live
📅 Next Milestone: Micro-lending Launch Q1 2026
Secure Authentication
What it does: Provides secure user registration and login with Google OAuth integration, email verification, and comprehensive security measures.
Who it serves: All users requiring secure access to financial services.
Why it matters: Ensures user data protection and regulatory compliance for financial services.
✅ Live - ProductionUser Dashboard
What it does: Centralized financial command center displaying account overview, transaction history, AI insights, and loan management tools.
Who it serves: Registered users managing their complete financial profile.
Why it matters: Provides comprehensive financial visibility in one secure location.
✅ Live - BetaAI Financial Assistant
What it does: Provides real-time financial advice, analyzes spending patterns, and offers personalized budgeting recommendations through natural language conversations.
Who it serves: South Africans seeking accessible financial guidance without traditional banking barriers.
Why it matters: Democratizes financial literacy and planning for underbanked populations.
✅ Live - BetaSmart Budget & Shopping
What it does: Creates intelligent shopping lists based on budget constraints, compares prices across South African retailers, and tracks spending against budget goals.
Who it serves: Budget-conscious consumers looking to maximize purchasing power.
Why it matters: Helps users stretch their income further through smart spending decisions.
✅ Live - BetaMicro Loans (R100-R1000)
What it will do: Instant loan approval using AI-powered bank statement analysis, providing quick access to small amounts for emergencies or opportunities.
Who it will serve: Underbanked South Africans needing quick access to small loans without traditional credit checks.
Why it matters: Fills the gap in micro-lending market with transparent, fair pricing and instant decisions.
Development Stage: In Development
Launch Target: Q1 2026
Regulatory Status: NCR Registration in Progress